|
Rates and Fees
All dividend and interest rates stated are Annual Percentage Rate (APR)
Rates effective as of 3/6/2013
| Regular Shares |
3/31/12 |
6/30/12 |
9/30/12 |
12/31/12 |
3/31/13** |
| $25.00 - $499.99 |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| $500.00 and over |
0.25% |
0.25% |
0.25% |
0.25% |
0.25% |
**Anticipated dividends to be paid
Share Draft (checking)
paid monthly |
3/31/12 |
6/30/12 |
9/30/12 |
12/31/12 |
3/31/13** |
| $500.00 and over |
0.10% |
0.10% |
0.10% |
0.10% |
0.10% |
**Anticipated dividends to be paid
Goal Saver Account
paid quarterly |
3/31/12 |
6/30/12 |
9/30/12 |
12/31/12 |
3/31/13** |
| No Minimum |
0.25% |
0.25% |
0.25% |
0.25% |
0.25% |
*Anticipated dividends to be paid
** Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee
| Christmas Club** |
3/31/12 |
6/30/12 |
9/30/12 |
12/31/12 |
3/31/13** |
| No Minimum |
0.25% |
0.25% |
0.25% |
0.25% |
0.25% |
*Anticipated dividends to be paid
**Withdrawals made prior to 9/30/13 are subject to an early withdrawal fee
| Certificate of Deposit* |
Term |
Minimum Balance |
Rate Paid at Maturity* |
|
|
12 Month |
$1,000 |
0.60% |
Closed to "new money" |
|
6 Month |
$1,000 |
0.35% |
Renewals Only |
*Withdrawals made prior to maturity are subject to a loss of 90 days dividend
| Loan Rates |
| Type |
Monthly Rate |
Term (max) |
Financing |
Conditions |
|
|
|
|
|
| New Vehicle
- Previously Untitled, Maximum $75,000, Less than 10K miles |
| Auto |
 |
| Truck |
| Motorcycle |
| Boat | |
as low as 1.25% |
36 mos. |
90.00% |
up to 100% with GAP
insurance |
| as low as 1.75% |
48 mos. |
90.00% |
up to 100% with GAP
insurance |
| as low as 2.25% |
60 mos. |
90.00% |
up to 100% with GAP
insurance |
| as low as 2.75% |
72 mos. |
90.00% |
up to 100% with GAP
insurance |
| as low as 3.25% |
84 mos. |
90.00% |
up to 100% with GAP
insurance |
|
|
|
|
|
| Used Vehicle --
**Age of vehicle plus term of financing cannot exceed 10 years ***Maximum
$50,000*** Antiques* |
|
|
as low as 1.75% |
36 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as 2.25% |
48 mos. |
100.00% |
Black Book Avg retail value |
| |
as low as 2.75% |
60 mos. |
100.00% |
Black Book Avg retail value |
|
as low as 3.25% |
72 mos. |
100.00% |
Black Book Avg retail value |
|
as low as 3.75% |
84 mos. |
100.00% |
Black Book Avg retail value |
|
*Certified appraisal required |
|
100.00% |
Appraisal Amount |
| Misc. Motor Vehicle (non-titled vehicles-Jet Skis, Snowmobiles, ATV's, etc.) |
|
|
as low as 6.25% |
36 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as 6.75% |
48 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as 7.25% |
60 mos. |
100.00% |
Black Book Avg retail value |
|
Share Secured |
|
2.25% |
60 mos. |
100.00% |
Limited to available share
balance |
|
3.25% |
120 mos. |
100.00% |
Limited to available share
balance |
| Home Equity* |
| Fixed Rate |
5.50% |
120mos. |
75.00% |
Maximum $250,000 |
| Variable (Prime) |
4.00% |
240mos. |
75.00% |
Maximum $250,000 |
*$100 application fee, $400 processing fee.
| Signature and Cosigner |
| Signature and Cosigner |
as low as 2.75% |
12 mos. |
Maximum
$10,000 member signature
Maximum $15,000 with qualified CFD employee |
| Signature and Cosigner |
as low as 6.25% |
36 mos. |
| Signature and Cosigner |
as low as 7.75% |
48 mos. |
| Signature and Cosigner |
as low as 9.25% |
60 mos. |
| Visa Card |
|
9.11% |
N/A |
$10,000.00 |
Member Signature |
All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.
State Regulations discourage the payment of dividends in excess of available earnings.
Fees and Charges
| All Accounts |
Effective
12/1/11 |
| NSF ACH -- Paid or Returned |
$25.00 |
| NSF ACH Transferred from Shares |
4.25 |
| Deposited Check Returned Unpaid |
25.00 |
| Account Balancing - per hour |
25.00 |
| Outgoing Wire Transfer |
20.00 |
| Certified Check |
4.00 |
| Stop Payment (withdrawal check) |
40.00 |
| Statement Copy |
3.00 |
| Reopen Fee (less that 24 months from
time of closing) |
10.00 |
| Closed Account (less that 12 months
from time of opening) |
25.00 |
| Auto Lien Release Letter |
10.00 |
| Mortgage Release Deeds (Duplicate) |
25.00 |
| Subordination Agreement |
50.00 |
| Tax Advantage Loan Processing Fee |
200.00 |
| Share Draft Accounts |
| NSF Draft, Bill Payment -- Paid or
Returned |
$ 25.00 |
| NSF Draft, Bill Payment Transferred
from Shares |
4.25 |
| Stop Payment |
20.00 |
| Block Stop Payment |
|
| Photo Copy of Check |
5.00 |
| Visa Debit Card |
| Denied Transaction |
.75 |
| Lost, Stolen, Replacement Card/Pin |
10.00 |
| Card Reactivation Fee |
25.00 |
| Christmas Club Accounts |
| Early Withdrawal Fee |
5.00 |
| Goal Saver Accounts |
| Excessive Withdrawal (4 free per year) |
5.00 |
|
** Fees are subject to change at the discretion of the Board of Directors
12/2011
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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